I'll take it a step further .....
Make sure that you make over a 100k, don't have any kids and never lose your job, have an accident, let someone fall on your porch, have a pipe break and flood your home, get a cavity, get sick, the list goes on and on.
PS: I almost forgot. Don't live on a planet that has taxes of any kind.
Don't date or get married either, live in a studio apartment and eat nothing but oatmeal.